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Payment a Day - Chapter 2026
Comments
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£3.40 is winging its way to the Virgin Credit Card today!
Plan to PAD Everyday 2026Credit Card - £2864.24 int free to 31/05/26) -PAD TotalsJan 2026 - £277.72Feb 2026 - £40.57 11.11% paid!1 -
£50 to cc
£40 op
Total £90.001 -
£400 to savings
Save £25,000 in 2025: #45-£524.15/25, 000
PAD 2025: £609.19/61001 -
combined PADs for 29th and today, to cc2:
£8.37
Pay Off Debts by Xmas 2026; £0 / £6201.561 -
Evening All,
The total PAD for 29 January 2025 was £811.05
Lots of great PADs, we've done very well this month so far! It just shows that…
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 and, I was Debt Free on 09/02/2025 🎉 but life 🫣, so now I have a Debt Reset 🥴
DEBT DEBT = £6,646.22 😬
Bank of Mum:- Moped Insurance = £300/£1,800 (16.67% repaid) || Bookkeeping Course £750/£3,000 (25% repaid)
The Tax Man:- Council Tax = £221.72/£221.72 (100% repaid 🎉) || Self Assessment = £1,624.50/£1,624.50 (100% repaid 🎉)
Debt Debt Tracker = £2,896.22/£6,646.22 (43.57% repaid)3 -
Back with my PAD of £525 into sinking funds and saving goals.
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 and, I was Debt Free on 09/02/2025 🎉 but life 🫣, so now I have a Debt Reset 🥴
DEBT DEBT = £6,646.22 😬
Bank of Mum:- Moped Insurance = £300/£1,800 (16.67% repaid) || Bookkeeping Course £750/£3,000 (25% repaid)
The Tax Man:- Council Tax = £221.72/£221.72 (100% repaid 🎉) || Self Assessment = £1,624.50/£1,624.50 (100% repaid 🎉)
Debt Debt Tracker = £2,896.22/£6,646.22 (43.57% repaid)0 -
I forgot to add up a bit, so an extra £225 saved.
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 and, I was Debt Free on 09/02/2025 🎉 but life 🫣, so now I have a Debt Reset 🥴
DEBT DEBT = £6,646.22 😬
Bank of Mum:- Moped Insurance = £300/£1,800 (16.67% repaid) || Bookkeeping Course £750/£3,000 (25% repaid)
The Tax Man:- Council Tax = £221.72/£221.72 (100% repaid 🎉) || Self Assessment = £1,624.50/£1,624.50 (100% repaid 🎉)
Debt Debt Tracker = £2,896.22/£6,646.22 (43.57% repaid)0 -
Morning,
£1 for yesterday and £1 for today to cc.
2026 MFW No:23
MFiT-T7 121 -
Good morning
The last one for this month is £250 off the CC, I transferred as much as I could to the 0% card and then the bit left I aim to hit as hard as I can and be rid of it. Then the 0% card will be my next target 😀Every penny needs to work hard in this house, no posh coffees, no new clothes, no unnecessary spending. I retire in 2028 and we’re agreed that we need to get used to living on less.
On that note I better get ready for work
Have a good day guys
Pay off by Xmas 2026 £175/£2324.67
February NSDs 6/15
February PADs £55
February grocery challenge £67.42/£2004 -
£50 today to savings
Save £25,000 in 2025: #45-£524.15/25, 000
PAD 2025: £609.19/61001
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